United Valley Bank

Headquarters: Cavalier, North Dakota
Charter: Bank
Assets: $751.6M
Fed district: Minneapolis
Regulator: FDIC
Holding company: First Holding Co Cavalier Inc.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for United Valley Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	United Valley Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: United Valley Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $82K in Q2 2026, 13% below the same quarter a year earlier ($94K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $7.50, the middle of its prices. Leaves out 1 CD/IRA fee filed under this fee.
United Valley Bank: $3 to $10
United Valley Bank: $3 to $10
U.S. median: no median
Overdraft (OD)
United Valley Bank: $30
United Valley Bank: $30
U.S. median: no median
NSF / Returned Item
United Valley Bank: $30
United Valley Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Dakota: Banks and credit unions headquartered in North Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 19% from Q3 2025 to Q2 2026, to $82K.

Service-charge income, Q2 2026

$82K

$101KQ3 2025

$91KQ4 2025

$91KQ1 2026

$82KQ2 2026

Against the median

United Valley BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

United Valley Bank · $752M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$733M to $773M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
United Valley Bank(this institution)	Cavalier, ND	$752M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BAC Community Bank	Stockton, CA	$762M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Prairie du Sac	Prairie du Sac, WI	$745M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
CFSBANK	Charleroi, PA	$773M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chippewa Valley Bank	Hayward, WI	$736M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Clinton Savings Bank	Clinton, MA	$745M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Commerce Bank	Laredo, TX	$762M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Countybank	Greenwood, SC	$733M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	Waverly, IA	$740M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Midwest Bank of the Ozarks	Poplar Bluff, MO	$733M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Community Bank	Chatsworth, GA	$755M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Neighbor Bank, National Association	Toledo, IL	$736M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FM Bank	Waseca, MN	$738M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNB Bank, Inc.	Mayfield, KY	$770M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
HomeBank	Palmyra, MO	$733M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Itasca Bank & Trust Co.	Itasca, IL	$771M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kleberg Bank, N.A.	Kingsville, TX	$737M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake Shore Bank	Dunkirk, NY	$736M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lea County State Bank	Hobbs, NM	$738M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Manufacturers Bank & Trust Company	Forest City, IA	$738M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MidSouth Bank	Dothan, AL	$771M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Midwest Heritage Bank, FSB	West Des Moines, IA	$768M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peoples Community Bank	Greenville, MO	$735M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The National Capital Bank of Washington	Washington, DC	$742M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Peoples Bank, Biloxi, Mississippi	Biloxi, MS	$771M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Plains Bank and Trust Company	West Plains, MO	$768M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) below the median of similar-sized banks.

Compared at $5, the middle of its five prices, against a peer median of $7.50 among 16 publishing peers.

Its five checking prices are $2, $3, $5, $10 and $10.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

United Valley Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for United Valley Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $82K
vs prior quarter: −$9K−9.9%; from Q1 2026
vs a year earlier: −$12K−12.8%; from Q2 2025
vs start of range: −$12K−12.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: United Valley Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$82K	−$9K	−9.9%
Q1 2026	$91K	$0	0.0%
Q4 2025	$91K	−$10K	−9.9%
Q3 2025	$101K	+$7K	+7.4%
Q2 2025	$94K	+$10K	+11.9%
Q1 2025	$84K	−$5K	−5.6%
Q4 2024	$89K	−$5K	−5.3%
Q3 2024	$94K	+$15K	+19.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from United Valley Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee per month (audience not stated, treated as personal)$2
Not compared: CD/IRA fee
per month
Monthly Maintenance$10
per month
Monthly Maintenance$5
per month
Monthly Maintenance$10
per month
Service charge$3
per month
Service charge (balance falls below $25) (audience not stated, treated as personal)$3
per month
Account Closure$20
Dormant Account Fee$5
per month
Account Balancing and Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$30
per item
Returned Item Fee$30
per item
Continuous Overdraft$10

ATM & Card

Replace ATM/debit card$15
per item

Check Services

Cashier’s Checks$5
per item
Money Orders$3
per item
Stop Payment$30
per item

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Deposited checks returned unpaid$5
per item

Account Services

10.25” x 11″ – Mahnomen-Twin Valley$60
per year
10.25” x 3″ – Mahnomen-Twin Valley$40
per year
2″ x 5″ – Mahnomen$20
per year
5″ x 5″ – Mahnomen$30
per year
Box drilling$25
Not compared: One-time charge, not annual
one time
Lost key replacement$15
Not compared: Box drilling or key fee
Garnishments/Levies$30
per item

Retirement & IRA

IRA Closing/Transfer Fee$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee per month (audience not stated, treated as personal)	$2Not compared: CD/IRA fee	per month	None
Monthly Maintenance	$10	per month	None
Monthly Maintenance	$5	per month	None
Monthly Maintenance	$10	per month	None
Service charge	$3	per month	None
Service charge (balance falls below $25) (audience not stated, treated as personal)	$3	per month	None
Account Closure	$20	Not stated	None
Dormant Account Fee	$5	per month	None
Account Balancing and Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Returned Item Fee	$30	per item	None
Continuous Overdraft	$10	Not stated	None
ATM & Card
Replace ATM/debit card	$15	per item	None
Check Services
Cashier’s Checks	$5	per item	None
Money Orders	$3	per item	None
Stop Payment	$30	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposited checks returned unpaid	$5	per item	None
Account Services
10.25” x 11″ – Mahnomen-Twin Valley	$60	per year	None
10.25” x 3″ – Mahnomen-Twin Valley	$40	per year	None
2″ x 5″ – Mahnomen	$20	per year	None
5″ x 5″ – Mahnomen	$30	per year	None
Box drilling	$25Not compared: One-time charge, not annual	one time	None
Lost key replacement	$15Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levies	$30	per item	None
Retirement & IRA
IRA Closing/Transfer Fee	$35	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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